Deseret Mutual Logo
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29 User Reviews

5.4

Overall Score

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Founded in 1970, Deseret Mutual Benefits Administrators is a third party administrator of a private, nonprofit trust. It oversees many benefits programs for the Church of Jesus Christ of Latter-day Saints.

It has received positive customer ratings and reviews. However, its health benefits are primarily for church missionaries and employers connected to the church.

Top Ranked Companies

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The Good

  • Positive Customer Ratings and Reviews
  • Additional Services

Positive Customer Ratings and Reviews

Deseret Mutual has received positive reviews on Best Company. These reviews indicate a positive customer experience with the company. 

Deseret Mutual has also consistently received high customer service ranking from Utah Health Data Committee's CAHPS survey. These combined features speak to the quality and services offered by Deseret Mutual.

Additional Services

In addition to administering health insurance benefits, Deseret Mutual also offers physician referrals, individual case management, wellness and financial education, and financial benefits management. 

You can also find information on health care costs and quality through Deseret Mutual. The ability to check health care costs and quality makes Deseret Mutual stand out from competitors.

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The Bad

  • Minimal Customer Insight
  • Limited Online Information
  • Specialized Health Insurance and Health Cost Funding

Minimal Customer Insight

Although most of the reviews on Best Company for Deseret Mutual are positive, it has received a lower number of reviews than some of its competitors. Due to the low number of reviews, no conclusions can be drawn about the customer experience.

Limited Online Information

Deseret Mutual offers an overview of its services online. However, for more information, you're required to login with an account. This lack of information makes it difficult to understand the details of Deseret Mutual's offerings.

Specialized Health Insurance and Health Cost Funding

Deseret Mutual offers health insurance and health cost funding for employers, Latter-day Saint missionaries, and a Church Activity Medical Assistance (CAMA) fund.

Deseret Mutual usually works with employers associated with the Church of Jesus Christ of Latter-day Saints, like Brigham Young University and the Polynesian Cultural Center.

It also administers Mission Medical for young Latter-day Saint missionaries and a Senior Service Medical Plan (SSMP) for older missionaries.

The CAMA fund is a charitable assistance program that can assist with certain medical or funeral costs for injuries occuring while participating in a Church activity. This fund is only available in parts of the United States and Canada. Local lay leaders can request access to this fund.

Deseret Mutual's connection to the Church of Jesus Christ of Latter-day Saints makes it stand out from other insurers that do not have close ties to religious institutions. Its programs are also specialized to meet the Church of Jesus Christ of Latter-day Saints's needs, so it may not be a good fit for others.

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The Bottom Line

Although Deseret Mutual Benefits Administrators has received good customer satisfaction ratings, its availability is limited. Assistance with health care costs or health plans is primarily available through church employers and to church missionaries.

If you're looking to buy your own health insurance plan, we recommend looking at other companies.

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Star Rating

4.7

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29 Reviews

Review Breakdown

5 grade

69%

4 grade

31%

3 grade

0%

2 grade

0%

1 grade

0%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Dr. San Tosh Salt Lake City, UT

Best insurance company i ever had through my work. Only affordable through work, cant buy out of pocket. Covers most of the services, out of pocket max is very less comparatively, reasonable deductable/copay, only 10% coinsurance, in some cases covers 100%. Has amazing experience, wish it is affordable without work.

5 months ago

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KKin Spanish Fork, UT

While working with BYU i used Deseret Mutual Insurance. They were very affordable, and great customer service. One of the best insurance companies I've ever worked with.

3 months ago

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Betty Brigham City, UT

We have been with DMBA for almost 50 years. They have served us well. Two of our children were in a car accident. DMBA took care of the hospital charges with only a few glitches. The rest of the time we have been very pleased. The customer service is outstanding. The only item on our wish list at this time in our lives would be "SilverSneakers". (That's not a need, only a want.)

6 months ago

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Irinna Danielson Riverton, UT

I've worked for a company that has Deseret Mutual as my insurance for over 20 years. I've appreciated never having to worry about the health care of my family and knowing that the costs are affordable and haven't changed too much over the past 20 years. Deseret Mutual is a great company, not too big, but big enough to service me and my family's needs. We've had care out of state when health issues have come up and we've never had a lack of good healthcare providers. Grateful to have insurance with such a great company.

8 months ago

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Van M. Orem, UT

This is the best insurance we have ever had. Most coverage, great price, great care. This was a fantastic insurance to have for our family.

3 months ago

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Diana Ploeger Oakley, UT

Company is easy to work with. Customer service individuals are well informed. Claims are processed in a timely fashion. Excellent in formation provided during open enrollment period.

8 months ago

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Lmt3 Provo, UT

Deseret Mutual has been very easy to work with. Claims have been paid with little or no problem. Customer service has been helpful .

3 months ago

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Aubrey Layton, UT

The best insurance plan I've ever been on. Customer service is knowledgeable and go out of there way to help you. Pricing is fair and even better than some plans I've been on.

1 year ago

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Sheryl Wilson Pleasant Grove, UT

We pay a low monthly rate. Our coverage is above average. Our co-pays are $15 or $25 for specialty doctors. We can go to network and out of network doctors. We have flex spending.

2 years ago

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Myken Salt Lake City, UT

I don't think insurance gets better than DMBA. We had DMBA a couple years ago and we felt so taken care of by them. The coverage was extremely affordable, and the quality of service excellent. All of our medical providers accepted them and when we had question/concerns they were always available and eager to assist us.

1 year ago

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Virginia Rosenthal Pleasant Grove, UT

I have been with DMBA for 7 years now. I have never had an issue with a claim and have used their phone and web customer support for questions. They are very helpful. I do like their assortment of doctors and specialists near me.

1 year ago

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P Crawley Pleasant Grove, UT

We've been covered by DMBA for 17 years and have found that they cover most everything. There are a few things that are hard that they don't cover, like speech therapy but for the most part they're great. I also like having a copay instead of a deducible.

1 year ago

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Marissa Redwood Falls, MN

DMBA is the best insurance I've ever worked with. The customer service is so friendly and helpful, and doesn't seem annoyed when you call like other insurance companies I've worked with. I truly feel like they are on my side and are my advocates, and not tryin to gauge me out of all my money.

1 year ago

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Anne Sainsbury Payson, UT

DMBA has treated me excellently! As my secondary insurance, they have covered every medical bill I've had this last year! From the dentist, to the optometrist, to buying glasses, to a dermatology appointment they have covered everything and I have yet to pay a dollar out of pocket! Excellent service and coverage!

1 year ago

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Reese Pleasant Grove, UT

I have had Deseret Mutual in the past when I worked for BYU. They have great medical benefits that cover most needs without the large deductable. Great physician referrals, they give you individual case managements and wellness education. Easy to process claims with.

2 years ago

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Katie Howard Pleasant Grove, UT

This has been probably our best health insurance plan we've ever had, both because it's fairly affordable (thanks to an employer plan that pays most of the premium) and because it is accepted nearly everywhere locally and covers almost everything from preventative to diagnostic care. Elective things often aren't covered, as you might expect. We have had few problems getting things covered as long as we stay in network.

2 years ago

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Eric Smith Riverton, UT

Always a simple and easy claims process from start to finish. When we did have questions we called in and the representatives were always helpful.

8 months ago

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Tom Gourley Pleasant Grove, UT

We have used DMBA for many years with good experience. Their customer service representatives are well trained and knowledgable. They are honest and try to provide the best care within reasonable pricing they can. We did have one claim that was not paid to our liking but we did understand their explanation.

1 year ago

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Dave Ros Pleasant Grove, UT

I've had a great experience with DMBA. I do like their options for primary doctors and specialists and the plenty of local hospital options. I had foot surgery last year and the claims processing was great.

1 year ago

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Ad Pleasant Grove, UT

I don't go to the doctor's much but the times I have needed urgent care, I have really liked that DMBA is accepted at all the close locations. There have been no issues with the claims and the doctors have been great!

1 year ago

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Gordon Gibb Pleasant Grove, UT

DMBA has served us faithfully for 24 years. Comparable co-payments and no problems settling bills. Excellent online and chat service. Good range of providers, website is good.

1 year ago

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Tiauna Anderson Salt Lake City, UT

We've used Deseret Mutual for the last two years and definitely recommend! Our coverage is great and customer service has always taken care of us.

8 months ago

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JP Herriman, UT

Great coverage. Never had any issues with them. Their monthly premiums were great.

8 months ago

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Martha Gourley Pleasant Grove, UT

Used DMBA for 40 years and I am still using it in retirement. They have been dependable and helped us thru many health issues.

1 year ago

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Michelle Schow Saratoga Springs, UT

DMBA provides great coverage and customer service. The plans are exclusively for employees of the LDS Church or related entities.

1 year ago

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Jeff Stewart Saint George, UT

Amazing coverage and support. Relative to any other insurance plan it is far and away the best coverage.

1 year ago

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Grant American Fork, UT

I have always had a good experience when calling the customer service representatives for questions or inquiries into my health insurance.

2 years ago

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JR Suguturaga Orem, UT

Deseret has been a great provider and anytime I needed to work with a coverage specialist it was quick and easy.

1 year ago

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Jon Scoresby Saratoga Springs, UT

This was the insurance I was on as a kid. It was good and covered the many injuries and surgeries I had as a kid

1 year ago

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